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Basically, if the quantity of income is large sufficient, then even massive unsecured personal loans may be deemed affordable, and the mortgage application be authorised. When the interest rate is high, and the mortgage is deemed costly, there are methods around the issue. With a ,000 unsecured private mortgage for a bad credit score, for example, repayments can fall from zero to zero by growing the term from 5 years to 10 years. The disadvantage to this move is that the quantity of interest paid over the lifetime of the mortgage is increased - successfully doubled because of the additional 60 months of repayments.

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